:root {
  --calc-green: #0b1f33;
  --calc-green-light: #f7f4ee;
  --calc-gold: #c6a15b;
  --calc-border: #cfd8dc;
  --calc-shadow: 0 14px 36px rgba(11, 31, 51, .09);
}

/* Keep conditional calculator fields truly hidden even when they also use
   layout classes such as .field, which otherwise set their own display. */
[hidden] { display: none !important; }

.savings-calculator-button {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 1.5rem;
  padding: .9rem 1rem;
  background: var(--gold);
  color: var(--navy);
  font-weight: 800;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease;
}

.savings-calculator-button:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, .2);
}

.featured-loan .loan-video {
  display: inline-flex;
  margin-top: 1rem;
}

.calculator-page { background: var(--cream); }
.calculator-header { position: sticky; top: 0; z-index: 50; box-shadow: 0 4px 20px rgba(11, 31, 51, .07); }
.calculator-home-link { padding: .7rem 1rem; border: 1px solid var(--line); color: var(--navy); font-weight: 700; text-decoration: none; }

.calculator-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(220px, 320px);
  align-items: end;
  gap: 3rem;
  width: min(1360px, calc(100% - 3rem));
  margin: 0 auto;
  padding: clamp(3.5rem, 7vw, 6.5rem) 0 2.5rem;
}

.calculator-hero h1 { max-width: 950px; margin: 0 0 1rem; color: var(--navy); font-size: clamp(2.5rem, 6vw, 5.1rem); }
.calculator-hero > div > p:last-child { max-width: 820px; margin: 0; color: var(--muted); font-size: 1.08rem; }
.calculator-kicker { margin-bottom: .75rem; color: #876828; font-size: .76rem; font-weight: 800; letter-spacing: .17em; text-transform: uppercase; }
.calculator-hero-badge { padding: 1.4rem; border-left: 3px solid var(--calc-gold); background: #fff; box-shadow: var(--calc-shadow); }
.calculator-hero-badge span, .calculator-hero-badge strong { display: block; }
.calculator-hero-badge span { color: #876828; font-size: .76rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.calculator-hero-badge strong { margin-top: .35rem; color: var(--navy); }

.calculator-alert {
  width: min(1360px, calc(100% - 3rem));
  margin: 0 auto 1.5rem;
  padding: 1.25rem 1.4rem;
  border: 1px solid #d8c08c;
  border-radius: 8px;
  background: #fffaf0;
}

.calculator-alert strong { color: var(--navy); }
.calculator-alert p { margin: .35rem 0 0; color: var(--muted); font-size: .88rem; line-height: 1.55; }

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(340px, .78fr) minmax(0, 1.52fr);
  align-items: start;
  gap: 1.35rem;
  width: min(1360px, calc(100% - 3rem));
  margin: 0 auto;
  padding-bottom: 3rem;
}

.calculator-inputs, .calculator-results { display: grid; gap: 1.1rem; }
.calculator-inputs { position: sticky; top: 102px; }
.input-panel, .chart-card, .comparison-card, .method-card { border: 1px solid var(--calc-border); border-radius: 9px; background: #fff; box-shadow: 0 7px 22px rgba(11, 31, 51, .045); }
.input-panel { padding: 1.25rem; }
.panel-heading { display: flex; align-items: center; gap: .85rem; padding-bottom: 1rem; border-bottom: 1px solid var(--line); }
.panel-heading > span { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--calc-gold); font-family: 'Libre Baskerville', serif; font-weight: 700; }
.panel-heading p, .comparison-heading p, .chart-heading p, .results-cta p { margin: 0; color: #876828; font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.panel-heading h2, .comparison-heading h2, .chart-heading h2 { margin: .1rem 0 0; color: var(--navy); font-family: 'DM Sans', sans-serif; font-size: 1.05rem; letter-spacing: 0; }

.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; padding-top: 1rem; }
.field-wide { grid-column: 1 / -1; }
.field { display: grid; align-content: start; gap: .35rem; color: #344759; font-size: .77rem; font-weight: 700; }
.field input, .field select { width: 100%; min-width: 0; height: 43px; border: 1px solid #b8c5cb; border-radius: 4px; outline: none; background: #fff; color: var(--ink); font: 600 .9rem 'DM Sans', sans-serif; }
.field > input, .field select { padding: .65rem .7rem; }
.field input:focus, .field select:focus { border-color: var(--calc-gold); box-shadow: 0 0 0 3px rgba(198, 161, 91, .2); }
.input-prefix, .input-suffix { display: flex; align-items: center; overflow: hidden; border: 1px solid #b8c5cb; border-radius: 4px; background: #fff; }
.input-prefix:focus-within, .input-suffix:focus-within { border-color: var(--calc-gold); box-shadow: 0 0 0 3px rgba(198, 161, 91, .2); }
.input-prefix b, .input-suffix b { display: grid; place-items: center; align-self: stretch; min-width: 36px; background: #f0f3f4; color: #5d6c76; font-size: .8rem; }
.input-prefix input, .input-suffix input { border: 0; box-shadow: none !important; padding: .65rem .55rem; }
.field-note { margin: 1rem 0 0; color: var(--muted); font-size: .76rem; line-height: 1.5; }
.input-actions { display: grid; grid-template-columns: 1fr auto; gap: .75rem; }
.calculate-button, .reset-button { min-height: 50px; border: 0; border-radius: 4px; font: 800 .88rem 'DM Sans', sans-serif; cursor: pointer; }
.calculate-button { background: var(--gold); color: var(--navy); }
.reset-button { padding: 0 1rem; border: 1px solid var(--calc-border); background: #fff; color: var(--navy); }

.results-banner { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 1.5rem; padding: 1.5rem 1.7rem; border-radius: 9px; background: linear-gradient(135deg, var(--navy), var(--navy2)); color: #fff; box-shadow: var(--calc-shadow); }
.results-banner span, .results-banner small, .scenario-label span { display: block; color: #e3c889; font-size: .73rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; }
.results-banner > div:first-child > strong { display: block; margin: .25rem 0; font-family: 'Libre Baskerville', serif; font-size: clamp(2rem, 4vw, 3.2rem); }
.results-banner small { letter-spacing: 0; text-transform: none; }
.scenario-label { max-width: 260px; padding-left: 1.5rem; border-left: 1px solid rgba(255, 255, 255, .25); text-align: right; }
.scenario-label strong { display: block; margin-top: .3rem; font-size: .9rem; }

.result-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: .9rem; }
.result-cards article { min-height: 145px; padding: 1.3rem; border: 1px solid var(--calc-border); border-radius: 8px; background: #fff; }
.result-cards article span, .result-cards article small { display: block; color: var(--muted); font-size: .76rem; }
.result-cards article strong { display: block; margin: .6rem 0 .25rem; color: var(--navy); font-family: 'Libre Baskerville', serif; font-size: clamp(1.25rem, 2.4vw, 1.8rem); }
.result-cards .result-featured { border-color: var(--calc-gold); background: var(--calc-green-light); box-shadow: inset 0 3px 0 var(--calc-gold); }
.chart-card, .comparison-card, .method-card { padding: 1.5rem; }
.chart-heading { display: flex; align-items: end; justify-content: space-between; gap: 1rem; }
.chart-legend { display: flex; gap: 1rem; color: var(--muted); font-size: .72rem; font-weight: 700; }
.chart-legend span::before { content: ''; display: inline-block; width: 10px; height: 10px; margin-right: .35rem; border-radius: 50%; }
.legend-traditional::before { background: #8797a4; }
.legend-aio::before { background: var(--calc-gold); }
.balance-chart { min-height: 300px; margin-top: 1rem; }
.balance-chart svg { display: block; width: 100%; height: auto; }
.comparison-heading { margin-bottom: 1rem; }
.comparison-table { border-top: 1px solid var(--line); }
.comparison-row { display: grid; grid-template-columns: minmax(180px, 1.2fr) repeat(2, minmax(120px, .7fr)); gap: 1rem; align-items: center; min-height: 52px; padding: .65rem .5rem; border-bottom: 1px solid var(--line); font-size: .83rem; }
.comparison-row > :nth-child(n+2) { text-align: right; }
.comparison-header { background: #f4f6f7; color: var(--muted); font-size: .7rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.comparison-row > :last-child { color: #876828; font-weight: 700; }
.equivalent-rate-note { margin: 1rem 0 0; padding: .8rem 1rem; border-left: 3px solid var(--calc-gold); background: var(--cream); color: var(--muted); font-size: .72rem; line-height: 1.55; }
.equivalent-rate-note strong { color: var(--navy); }
.calculation-warning { margin: 1rem 0 0; padding: .8rem 1rem; border-left: 3px solid #bd7a2e; background: #fff6e9; color: #6a4a23; font-size: .8rem; }
.method-card h2 { margin-bottom: .8rem; color: var(--navy); font-size: 1.25rem; }
.method-card p { margin: .55rem 0; color: var(--muted); font-size: .82rem; }

.results-cta { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 2rem; padding: 1.8rem; border-radius: 9px; background: var(--navy); color: #fff; }
.results-cta h2 { margin: .25rem 0 .5rem; font-size: clamp(1.45rem, 3vw, 2.1rem); }
.results-cta span { display: block; max-width: 650px; color: #c4d0da; font-size: .86rem; }
.results-cta > div:last-child { display: grid; gap: .65rem; min-width: 235px; }
.results-cta a { padding: .85rem 1rem; background: var(--calc-gold); color: var(--navy); font-weight: 800; text-align: center; text-decoration: none; }
.results-cta .cta-secondary { border: 1px solid #8ea0b2; background: transparent; color: #fff; }

.calculator-disclosures { width: min(1360px, calc(100% - 3rem)); margin: 0 auto 4rem; padding: 1.5rem; border-top: 1px solid #c8cecf; color: #66747d; font-size: .78rem; }
.calculator-disclosures h2 { color: var(--navy); font-family: 'DM Sans', sans-serif; font-size: 1rem; }
.calculator-disclosures p:last-child { margin-bottom: 0; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }

.payoff-customizer {
  padding: 0;
  overflow: hidden;
}

.payoff-customizer > summary {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: .85rem;
  padding: 1.15rem 1.25rem;
  cursor: pointer;
  list-style: none;
}

.payoff-customizer > summary::-webkit-details-marker { display: none; }
.payoff-customizer > summary:hover { background: var(--cream); }
.payoff-customizer > summary .customizer-number { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--calc-gold); font-family: 'Libre Baskerville', serif; font-weight: 700; }
.payoff-customizer > summary b, .payoff-customizer > summary small { display: block; }
.payoff-customizer > summary b { color: var(--navy); font-size: .98rem; }
.payoff-customizer > summary small { margin-top: .1rem; color: var(--muted); font-size: .72rem; }
.payoff-customizer > summary i { color: #876828; font-size: 1.45rem; font-style: normal; transition: transform .2s ease; }
.payoff-customizer[open] > summary i { transform: rotate(45deg); }
.customizer-body { padding: 0 1.25rem 1.25rem; border-top: 1px solid var(--line); }
.customizer-body > .field { margin-top: 1rem; }
.customizer-subsection { margin-top: 1.15rem; padding-top: 1.05rem; border-top: 1px solid var(--line); }
.customizer-subsection h3 { margin: 0 0 .8rem; color: var(--navy); font-family: 'Libre Baskerville', serif; font-size: .98rem; }
.customizer-subsection .field > small { margin-top: -.15rem; color: var(--muted); font-size: .68rem; font-weight: 500; }
.goal-toggle { display: flex; align-items: flex-start; gap: .55rem; margin-top: .85rem; color: #435666; font-size: .76rem; font-weight: 600; }
.goal-toggle input { margin-top: .2rem; accent-color: var(--gold); }
.required-payment-output { margin-top: .85rem; padding: .85rem 1rem; border-left: 3px solid var(--calc-gold); background: #f8f4e9; }
.required-payment-output span, .required-payment-output strong, .required-payment-output small { display: block; }
.required-payment-output span { color: #876828; font-size: .65rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.required-payment-output strong { margin-top: .2rem; color: var(--navy); font-size: 1rem; }
.required-payment-output small { margin-top: .2rem; color: var(--muted); font-size: .68rem; }
.payoff-slider { display: grid; grid-template-columns: 1fr auto; gap: .45rem .75rem; align-items: center; margin-top: .75rem; color: #435666; font-size: .72rem; font-weight: 700; }
.payoff-slider input { grid-column: 1 / -1; width: 100%; accent-color: var(--gold); }
.payoff-slider output { color: #876828; font-size: .82rem; font-weight: 800; }
.reset-custom-button { width: 100%; min-height: 44px; margin-top: 1rem; border: 1px solid #9eacb5; border-radius: 4px; background: #fff; color: var(--navy); font: 800 .8rem 'DM Sans', sans-serif; cursor: pointer; }
.customizer-note { padding-top: .85rem; border-top: 1px solid var(--line); }

.custom-payoff-results { padding: 1.5rem; border: 1px solid #d8c08c; border-radius: 9px; background: #fbf8f1; box-shadow: 0 7px 22px rgba(11, 31, 51, .045); }
.custom-results-heading { display: flex; align-items: end; justify-content: space-between; gap: 1rem; margin-bottom: 1rem; }
.custom-results-heading p { margin: 0; color: #876828; font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.custom-results-heading h2 { margin: .15rem 0 0; color: var(--navy); font-family: 'DM Sans', sans-serif; font-size: 1.15rem; letter-spacing: 0; }
.custom-results-heading > span { padding: .4rem .65rem; border-radius: 999px; background: var(--navy); color: #e3c889; font-size: .7rem; font-weight: 800; text-align: center; }
.custom-result-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: .8rem; }
.custom-result-cards article { padding: 1.05rem; border: 1px solid var(--line); border-radius: 7px; background: #fff; }
.custom-result-cards article > span, .custom-result-cards article > small { display: block; color: var(--muted); font-size: .7rem; }
.custom-result-cards article > strong { display: block; margin: .45rem 0 .2rem; color: var(--navy); font-family: 'Libre Baskerville', serif; font-size: 1.28rem; }
.custom-result-cards .custom-result-featured { border-color: var(--calc-gold); background: var(--cream); box-shadow: inset 0 3px 0 var(--calc-gold); }
.custom-goal-status { margin: .85rem 0 0; padding: .75rem .85rem; border-left: 3px solid var(--calc-gold); background: #fff; color: var(--muted); font-size: .76rem; }
.custom-goal-status.is-warning { border-left-color: #bd7a2e; background: #fff6e9; color: #6a4a23; }
.custom-chart-card { margin-top: 1rem; padding: 1.1rem; border: 1px solid var(--line); border-radius: 7px; background: #fff; }
.legend-original::before { background: #8797a4; }
.legend-custom::before { background: var(--calc-gold); }

.schedule-details { margin-top: 1rem; overflow: hidden; border: 1px solid var(--line); border-radius: 7px; background: #fff; }
.schedule-details > summary { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 1rem 1.1rem; color: var(--navy); font-size: .82rem; font-weight: 800; cursor: pointer; list-style: none; }
.schedule-details > summary::-webkit-details-marker { display: none; }
.schedule-details > summary i { color: #876828; font-size: 1.25rem; font-style: normal; transition: transform .2s ease; }
.schedule-details[open] > summary i { transform: rotate(45deg); }
.schedule-actions { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .85rem 1.1rem; border-top: 1px solid var(--line); background: var(--cream); }
.schedule-actions p { margin: 0; color: var(--muted); font-size: .72rem; }
.schedule-actions button { min-height: 38px; padding: .55rem .85rem; border: 0; border-radius: 3px; background: var(--gold); color: var(--navy); font: 800 .72rem 'DM Sans', sans-serif; cursor: pointer; }
.schedule-table-wrap { max-height: 440px; overflow: auto; border-top: 1px solid var(--line); }
.schedule-table { width: 100%; min-width: 830px; border-collapse: collapse; font-size: .7rem; }
.schedule-table th, .schedule-table td { padding: .65rem .7rem; border-bottom: 1px solid #e3e7e8; text-align: right; white-space: nowrap; }
.schedule-table th { position: sticky; top: 0; z-index: 1; background: var(--navy); color: #fff; font-size: .63rem; letter-spacing: .03em; text-transform: uppercase; }
.schedule-table th:first-child, .schedule-table th:nth-child(2), .schedule-table td:first-child, .schedule-table td:nth-child(2) { text-align: left; }
.schedule-table tbody tr:nth-child(even) { background: var(--cream); }
.schedule-note { margin: 0; padding: .75rem 1.1rem; color: var(--muted); font-size: .68rem; }
.custom-projection-disclosure { margin: 1rem 0 0; color: #66766f; font-size: .7rem; line-height: 1.5; }

@media (max-width: 1080px) {
  .calculator-shell { grid-template-columns: 1fr; }
  .calculator-inputs { position: static; }
  .input-panel { padding: 1.5rem; }
}

@media (max-width: 760px) {
  .calculator-header { min-height: 76px; height: auto; gap: .75rem; padding-top: .6rem; padding-bottom: .6rem; }
  .calculator-home-link { padding: .5rem .65rem; font-size: .75rem; }
  .calculator-hero { grid-template-columns: 1fr; gap: 1.5rem; }
  .calculator-shell, .calculator-hero, .calculator-alert, .calculator-disclosures { width: min(100% - 2rem, 1360px); }
  .result-cards { grid-template-columns: 1fr; }
  .result-cards article { min-height: 0; }
  .results-cta, .results-banner { grid-template-columns: 1fr; }
  .scenario-label { max-width: none; padding: 1rem 0 0; border-top: 1px solid rgba(255, 255, 255, .25); border-left: 0; text-align: left; }
  .results-cta > div:last-child { min-width: 0; }
  .comparison-row { grid-template-columns: 1.1fr .7fr .7fr; gap: .5rem; font-size: .72rem; }
  .chart-heading { align-items: flex-start; flex-direction: column; }
  .custom-results-heading { align-items: flex-start; flex-direction: column; }
  .custom-result-cards { grid-template-columns: 1fr; }
  .schedule-actions { align-items: stretch; flex-direction: column; }
}

@media (max-width: 520px) {
  .calculator-header .zomentum-header-logo { display: none; }
  .calculator-header .header-identity .powered-by { max-width: 150px; }
  .calculator-hero { padding-top: 2.5rem; }
  .field-grid { grid-template-columns: 1fr; }
  .field-wide { grid-column: auto; }
  .input-actions { grid-template-columns: 1fr; }
  .reset-button { min-height: 44px; }
  .chart-card, .comparison-card, .method-card, .results-cta { padding: 1.15rem; }
  .custom-payoff-results { padding: 1rem; }
  .balance-chart { min-height: 230px; }
}